Frequently Asked Questions

  • While some firms may offer some of the offerings below, collectively, very few, if any, firms offer all of the features and offerings below.

    1. Fiduciary Duty: We act in your best interest with no sales quotas, hidden fees, or revenue-sharing agreements.

    2. Comprehensive Services: We offer a full suite of financial planning, including the following at no extra cost:

      • Tax-aware investment management

      • Retirement income planning

      • Tax optimization for highly appreciated stock

      • Risk analysis (insurance needs and other analyses)

      • Social Security income analysis and optimization

      • Tax planning (in coordination with your CPA)

      • Charitable giving strategies

      • Tax-aware generational wealth transfer

      • Advanced generational planning using Trusts and Insurance.

    3. LPL Financial Partnership: As a partner of LPL Financial, the nation's largest independent broker-dealer, we access a wide range of strategies and tools, typically reserved for wealthier clients. Hence, we are able to offer both the value of independence combined with the power of affiliations.

    4. Independent Research: We collaborate with leading research teams, like LPL Research and Morningstar, and other industry leaders to ensure you get industry leading independent advice.

    5. Experienced Leadership: Our CEO, Arvind Ven, brings over 20 years of finance experience, an MBA from MIT Sloan, and an advanced engineering degree, offering unique expertise in both corporate and personal finance. He also holds the respected AIF® (Accredited Industry Fiduciary) designation.

    6. Independence: Unlike many firms, we aren’t tied to proprietary products or one company, allowing us to select strategies that best fit your needs from across the industry.

    7. Education-First Approach: We prioritize educating clients with regular events, newsletters, and subject matter expert-led webinars and events.

    8. Technology Stack: To offer increased efficiency to clients, we have incorporated a proven and stable industry leading tech stack that includes

      • Comprehensive financial planning software with monthly cash flow analysis and external accounts linkage through secure API with 256-bit encryption

      •  Secure electronic signatures for forms

      • Tax planning software with reports and what-if scenarios extracted from your prior tax returns for more productive and timely discussions with your CPA.

      • AI based note taking with link to CRM

      • Portfolio performance reporting with IRR from day of investment

      • Secure cloud storage with robust cyber security

      • Software to create a ‘Mind Map’ of the overall client/family picture with goals and life objectives for the behavioral finance part of the relationship.

  • Yes. We are fiduciaries, meaning our advice is always in your best interest. We receive no hidden fees, third-party compensation, or sales incentives.

  • We focus on growing wealth while managing risk, tax optimization, and aligning strategies with your personal goals. We’re your trusted "personal CFO," always putting your interests first.

  • Yes, our Principal Wealth Advisor and team has a clean regulatory record. We hold ourselves to high ethical standards and are held accountable by compliance authorities.

  • Your funds are held with LPL Financial or other reputable custodians. We manage investments based on our agreed strategy, but never have direct access to your funds. You receive independent statements directly from custodians.

  • While most clients benefit from having at least $2 million in assets, we’re open to all who are committed to growing their wealth. We’ll assess if we’re a good fit during an initial consultation.

  • Our fees are asset-based (0.5%–1.5%) but we also offer flat-fee engagements. There are no hidden fees or commissions, and our pricing is transparent.

  • Yes, we offer a free consultation to discuss your financial goals and determine if we’re a good fit.

  • Expect a warm welcome, an introduction to our process, discussion of your financial goals, a review of our services, and an explanation of our fees. There’s no obligation to proceed.

  • We provide performance reports, secure client portal access for real time information, newsletters, and annual reviews. You’ll also receive statements directly from the custodian.

  • Meeting frequency varies based on your needs. Generally, we have:

    • Initial Phase: 2-3 meetings to develop your financial plan.

    • Regular Check-ins: Quarterly reviews.

    • Annual Reviews: Comprehensive yearly financial review.

  • We refer trusted professionals (e.g., accountants, attorneys) based on your needs. There’s no compensation for these referrals, ensuring our recommendations are unbiased.

  • Yes! We’re committed to educating you in clear, understandable terms and in plain English. Whether you’re new to investing or need deeper insights, we’ll help guide you.

  • Absolutely. We’re available in person by appointment, by phone, email, or Zoom, and there’s no additional cost for answering your questions. Our focus is on providing value for our select group of clients.